Antega United States
Fertility treatment, insurance and law in Maine
Maine requires carriers to cover fertility diagnostic care, fertility treatment and standard fertility-preservation services, including storage of gametes or embryos for a minimum period (24-A M.R.S. §4320-U).
1. What applies now
The position in force on the review date below. Anything scheduled for the future is kept separate.
Broad infertility or IVF requirement in force
Maine requires carriers to cover fertility diagnostic care, fertility treatment and standard fertility-preservation services, including storage of gametes or embryos for a minimum period (24-A M.R.S. §4320-U).
Private-insurance requirement: Required to be covered
Maine requires carriers to cover fertility diagnostic care, fertility treatment and standard fertility-preservation services, including storage of gametes or embryos for a minimum period (24-A M.R.S. §4320-U).
State requirements do not necessarily apply to every health plan. Self-funded employer plans, federal plans and certain exempt employers may follow different rules. Check your plan documents or insurer for your individual coverage.
2. What fertility services may be covered
IVF
Required to be covered
IUI
Not established in the sources reviewed
Fertility preservation
Required to be covered
Fertility medicines
Not established in the sources reviewed
Diagnosis and testing
Required to be covered
3. Who the rule applies to
Employer size rules: Not identified in the sources reviewed.
Religious or conscience exemptions: Not identified in the sources reviewed.
Self-funded employer plans (ERISA): Self-funded employer plans are governed principally by federal ERISA rules and are generally outside the Maine requirement.
- Infertility is defined in the statute, including an age-adjusted shorter period in some circumstances
- Procedures considered experimental are excluded
4. Important exclusions and limitations
Cycle or lifetime limits: Storage of preserved gametes or embryos is required for at least five years, and may be extended.
5. Medicaid
Not established in the sources reviewed
No Medicaid infertility benefit was identified in the sources reviewed. Medicaid is a public programme and is separate from commercial insurance.
6. Public and state-employee plans
Not established in the sources reviewed
No distinct public-employee fertility benefit was identified. A public-employee benefit, where one exists, is not a statewide private-insurance requirement.
7. Future changes already enacted
Law that has been passed but is not yet in force. It does not affect cover today.
No enacted law with a future effective date was identified.
8. Recent legislation that did not become law or remains pending
Proposals are never a guide to your current cover.
No pending, failed or expired fertility bills were recorded for this jurisdiction in this review.
Surrogacy, parentage and donor conception
Gestational surrogacy: Not established in the sources reviewed
No specific Maine gestational-surrogacy provision was confirmed in the sources reviewed for this pass. That is not the same as saying no law exists — take Maine-specific legal advice before any arrangement.
Parentage: Not established in the sources reviewed.
9. Sources and last reviewed date
Maine requires carriers to cover fertility diagnostic care, fertility treatment and standard fertility-preservation services, including storage of gametes or embryos for a minimum period (24-A M.R.S. §4320-U).
Sources
- 24-A M.R.S. §4320-U, fertility servicesMaine Legislature · checked 2026-09-08
Last reviewed by the Antega editorial team: 2026-09-08.
This is general information about state rules, not legal or insurance advice, and it is not a guarantee of cover. Laws, mandates and plan rules change. Always confirm your own position with your insurer or plan administrator in writing, and take advice from a licensed attorney in your state before making legal arrangements.
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